U.S. Bank Shopper Cash Rewards Visa Signature vs Smartly Visa Signature
Both are U.S. Bank cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Smartly Visa Signature 2.0% 2% base rate
- Shopper Cash Rewards Visa Signature 1.5% 1.5% base rate
Hotels · portal
- Shopper Cash Rewards Visa Signature · U.S. Bank Rewards Travel Center 5.5% 5.5%
Car rental · portal
- Shopper Cash Rewards Visa Signature · U.S. Bank Rewards Travel Center 5.5% 5.5%
What the numbers are doing
Shopper Cash Rewards Visa Signature lets you choose 2 categories to earn 6% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.
The table is earn rate only — annual fees are not netted out of it. These cards charge Shopper Cash Rewards Visa Signature $95 and Smartly Visa Signature $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Smartly Visa Signature takes everything else. Shopper Cash Rewards Visa Signature wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Smartly Visa Signature2.0% |
| Hotels · portal | Shopper Cash Rewards Visa Signature · U.S. Bank Rewards Travel Center5.5% |
| Car rental · portal | Shopper Cash Rewards Visa Signature · U.S. Bank Rewards Travel Center5.5% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Smartly Visa Signature — 2.0%
- Shopper Cash Rewards Visa Signature — 1.5%
Hotels · portal
- Shopper Cash Rewards Visa Signature · U.S. Bank Rewards Travel Center — 5.5%
Car rental · portal
- Shopper Cash Rewards Visa Signature · U.S. Bank Rewards Travel Center — 5.5%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.